Loan Rates
Effective June 1, 2026
At Greenville Heritage Federal Credit Union, we’re committed to helping our members find affordable loan solutions that fit their budget and financial goals. Whether you’re looking for auto loans, personal loans, mortgages, or lines of credit, our competitive interest rates and flexible terms make borrowing simple and cost-effective. Explore our loan rate charts below to compare options and discover financing designed to meet your needs—backed by trusted local service and fast approvals.
Auto Loans
2026-2022 Vehicles
(less than 50,000 miles < 125% LTV)
| Terms | Annual Percentage Rate (APR) as low as |
|---|---|
| Up to 48 Month Financing | % |
| 60 Month Financing | % |
| 72 Month Financing | % |
| 84 Month Financing | % |
2021-2016 Vehicles
(50,001 to 130,000 miles)
| Terms | Annual Percentage Rate (APR) as low as |
|---|---|
| Up to 72 Months Financing | % |
Used Vehicles with more than 130,000 miles
| Terms | Annual Percentage Rate (APR) as low as |
|---|---|
|
Up to 48 Months Financing Specialty Vehicles may carry a supplement of up to 200 basis points on posted rates. All rates listed are lowest rates possible as of date noted. Rates are subject to change without notice and may vary based upon creditworthiness and term selected. Certain restrictions may apply. |
% |
Specialty Vehicles may carry a supplement of up to 200 basis points on posted rates.
All rates listed are lowest rates possible as of date noted. Rates are subject to change without notice and may vary based upon creditworthiness and term selected. Certain restrictions may apply.
Recreational Vehicles
New Boats, Campers & Motor Homes
| Term | Annual Percentage Rate (APR*) as low as |
|---|---|
| up to 144 Months | % |
Used Boats, Campers & Motor Homes
| Term | Annual Percentage Rate (APR*) as low as |
|---|---|
| up to 120 Months | % |
New & Used Motorcycles
| Term | Annual Percentage Rate (APR*) as low as |
|---|---|
| up to 72 Months | % |
Farm Equipment
| Term | Annual Percentage Rate (APR*) as low as |
|---|---|
| up to 72 Months | % |
Mortgages
Land
| Type | Annual Percentage Rate (APR*) as low as |
|---|---|
| Land | % |
Mortgage Loans/Fixed Rate for 1st Mortgage up to 30-Year term
| Terms | Annual Percentage Rate (APR) as low as |
|---|---|
| 10 Year Financing | Index Rate |
| 15 Year Financing | Index Rate |
| 20 Year Financing | Index Rate + % |
| 30 Year Financing | Index Rate + % |
Fixed-Rate Second Mortgages
Maximum Term is based on amount financed — up to 20 Years
Home Equity/Variable Rates (Subject to change quarterly)
90% Loan to Value
Rates as low as Prime plus .50%
Greenville Heritage Federal Credit Union NMLS# 627419
Personal Loans
| Types | Annual Percentage Rate (APR) as low as |
|---|---|
| Certificate | % above members CD |
| Share Secured | % |
| Signature & Revolving Credit | As low as % |
| Short Term, Small Amount Loans (STS Loans) | % |
Visa® Credit Cards
| Types | Annual Percentage Rate (APR) as low as |
|---|---|
| Visa® Platinum | % * |
| Visa® Gold | %** |
| Visa Classic | %** |
Deposit Rates
Rates effective as of August 1, 2026
Maximize Your Earnings with GHFCU’s Competitive Dividend Rates! Greenville Heritage Federal Credit Union is committed to offering some of the highest dividend rates in the market, with a wide range of short-term and long-term investment options tailored to your financial goals. Explore our detailed rate charts below to compare savings accounts, certificates, and other investment products designed to help you grow your money efficiently.
Checking Accounts
| Account Type | Minimum Deposit | Dividend Rate1 | APY** | Minimum Balance |
|---|---|---|---|---|
| Basic | $50 | % ($250+) | % | None |
| Heritage Advantage | $100 | % (up to $15k) | % | None |
Savings Accounts
| Account Type | Minimum Deposit | Dividend Rate1 | APY** | Free Withdrawals |
|---|---|---|---|---|
| $250 and Up | $5.00 | % | % | 4 Per Quarter |
| Tax & Insurance | $1.00 | % | % | 3 Per Quarter |
| Christmas Club | $1.00 | % | % | 1 Per Year in 4th Quarter |
| Vacation Club | $1.00 | % | % | 2 Per Year |
| Little Savers (Newborn to 17) | $50.00 | % | % | 4 Per Quarter |
| Dream Savers (18 to 30) | $100.00 | % | % | None (withdrawal closes account) |
Term Share Certificates
Money Market
| Deposit Amount | Minimum Deposit | Dividend Rate1 | APY** | Free Withdrawals2 |
|---|---|---|---|---|
|
$1,000 – $10,000.99 (Monthly Maintenance Fee charged if balance drops below $1,000) |
$1,000 | % | % | 6 per month |
| $10,001 – $25,000.99 | $10,001 | % | % | 6 per month |
| $25,001 – $50,000.99 | $25,001 | % | % | 6 per month |
| $50,001 – $100,000.99 | $50,001 | % | % | 6 per month |
| $100,001 – $250,000.99 | $100,001 | % | % | 6 per month |
| $250,001 and up | $250,001 | % | % | 6 per month |
IRAs
| Individual Retirement Accounts | Minimum Deposit | Dividend Rate1 | APY** | Dividends Compounded/Credited |
|---|---|---|---|---|
| IRA Savings | $1,000 | % | % | Quarterly |
| 12 Months | $1,000 | % | % | Semi-Annually |
| 18 Months | $1,000 | % | % | Semi-Annually |
| 36 Months | $1,000 | % | % | Semi-Annually |
| 60 Months | $1,000 | % | % | Semi-Annually |
1Anticipated Dividend Rate Subject to Change Prior to Quarter End. Dividends for Basic Checking, Heritage Advantage Checking, Money Market Checking, and Term Share Certificates are compounded and credited monthly. Dividends for Savings Accounts are compounded and credited quarterly. Disclosures available upon request. All savings are insured up to $250,000 by the National Credit Union Administration, a U.S. government agency. Traditional and Roth IRA are insured up to $250,000. Substantial penalty for early withdrawal. Rates subject to change without notice. Any fees or penalties may reduce dividends earned.
2Excessive withdrawal Fees May Apply.
The rates appearing above are accurate as of the date indicated above. If you have any questions or require current rate information on your account, please call the Credit Union at 864.467.4160.
